As the mortgage industry girds for life under the Dodd-Frank Act, two legislated products are capturing bankers' attention.

The one getting the most eyeballs is the qualified residential mortgage (QRM), which challenges a lender to meet certain underwriting standards or, failing that, to retain 5% of the credit risk should the loan in question be securitized and sold to an entity other than Fannie Mae or Freddie Mac.

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